Farmers and Merchants Bank is participating in the FDIC’s Transaction Account Guarantee Program, under that program, through December 31, 2010, all noninterest-bearing transaction accounts which include NOW accounts with interest rates of 0.25 percent are fully guaranteed by FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

FDIC Insurance

FDIC deposit insurance has been increased from $100,000 to $250,000 per depositor.

To learn more contact FDIC online at www.fdic.gov.

Explanation of FDIC Insurance